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Newfi Wholesale alternatives: lenders with similar or more flexible published STR terms

Other direct lenders we track, compared with Newfi Wholesale on the core loan terms both lenders publish. Each figure links to the lender page it came from, with the date we checked it.

Read this first

Based on published terms only; rates and pricing aren't compared. Confirm with each lender. A term one side doesn't publish is “not comparable (not published)” and doesn't count either way. Nothing here is a ranking.

At least as flexible on every shared term
2
More flexible on some terms
19
Direct lenders compared
24
Checked
Oct 22, 2026

What Newfi Wholesale publishes

The terms every alternative below is compared against. Verified from lender's own page on Oct 22, 2026

Newfi Wholesale published core terms
TermNewfi Wholesale
Min credit score640source · Oct 22, 2026
Min DSCR1.00source · Oct 22, 2026
DSCR below 1.0Nosource · Oct 22, 2026
No-ratio optionNosource · Oct 22, 2026
Max LTV (purchase)75%source · Oct 22, 2026
Max LTV (cash-out)75%source · Oct 22, 2026
Min loan$125Ksource · Oct 22, 2026
Max loan$3Msource · Oct 22, 2026
STR income methodEithersource · Oct 19, 2026
First-time investorsYessource · Oct 22, 2026
States servedLicensed in 49 states/DCsource · Oct 19, 2026

Published terms at least as flexible on every field both publish

Equal or more flexible than Newfi Wholesale on every term both lenders publish, with at least 3 terms in common. ✓ = more flexible, = = the same. Sorted by how many terms can be compared, then how many are more flexible.

Griffin Funding 7 more flexible · 3 same · 10 compared

Griffin Funding compared with Newfi Wholesale on terms both publish
TermNewfi WholesaleGriffin Fundingvs Newfi Wholesale
Min credit score640620source · Oct 22, 2026more flexible
DSCR below 1.0NoYessource · Oct 22, 2026more flexible
No-ratio optionNoYessource · Oct 22, 2026more flexible
Max LTV (purchase)75%85%source · Oct 22, 2026more flexible
Max LTV (cash-out)75%75%source · Oct 22, 2026same
Min loan$125K$100Ksource · Oct 22, 2026more flexible
Max loan$3M$4.5Msource · Oct 22, 2026more flexible
STR income methodEitherEithersource · Oct 22, 2026same
First-time investorsYesYessource · Oct 22, 2026same
States servedLicensed in 49 states/DCAll 50 states + DCsource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min DSCR.

Griffin Funding lender pageCompare Newfi Wholesale and Griffin Funding

theLender 6 more flexible · 3 same · 9 compared

theLender compared with Newfi Wholesale on terms both publish
TermNewfi WholesaletheLendervs Newfi Wholesale
Min credit score640620source · Oct 22, 2026more flexible
DSCR below 1.0NoYessource · Oct 22, 2026more flexible
Max LTV (purchase)75%85%source · Oct 22, 2026more flexible
Max LTV (cash-out)75%75%source · Oct 22, 2026same
Min loan$125K$100Ksource · Oct 22, 2026more flexible
Max loan$3M$3.5Msource · Oct 22, 2026more flexible
STR income methodEitherEithersource · Oct 22, 2026same
First-time investorsYesYessource · Oct 22, 2026same
States servedLicensed in 49 states/DCLicensed in 50 states/DCsource · Oct 19, 2026more flexible

Not comparable (not published by one or both): Min DSCR, No-ratio option.

theLender lender pageCompare Newfi Wholesale and theLender

More flexible on some terms

More flexible than Newfi Wholesale on at least one term both publish, and less flexible or different on others. Both are listed so you can see the trade-off. Showing 8 of 19.

America Mortgages 10 terms compared

  • More flexibleDSCR below 1.0: Yes vs No; No-ratio option: Yes vs No; Max LTV (purchase): 80% vs 75%; Min loan: $100K vs $125K
  • Less flexibleMin credit score: 680 vs 640
  • DifferentStates served: lists 2 states (MA, NY) Newfi Wholesale doesn't, but not 6 states (IA, NV, NC, UT, VA, DC) Newfi Wholesale lists
  • SameMax LTV (cash-out), Max loan, STR income method, First-time investors
  • Not comparable (not published)Min DSCR

Values: America Mortgages first, then Newfi Wholesale. Sources and check dates are on each lender page.

America Mortgages lender pageCompare Newfi Wholesale and America Mortgages

Quickline Capital 10 terms compared

  • More flexibleMin DSCR: 0.75 vs 1.00; DSCR below 1.0: Yes vs No; Max LTV (purchase): 80% vs 75%; Min loan: $100K vs $125K
  • Less flexibleMin credit score: 660 vs 640; Max loan: $2M vs $3M
  • DifferentStates served: lists 2 states (MA, NY) Newfi Wholesale doesn't, but not 1 state (DC) Newfi Wholesale lists
  • SameMax LTV (cash-out), STR income method, First-time investors
  • Not comparable (not published)No-ratio option

Values: Quickline Capital first, then Newfi Wholesale. Sources and check dates are on each lender page.

Quickline Capital lender pageCompare Newfi Wholesale and Quickline Capital

Defy Mortgage 10 terms compared

  • More flexibleMin loan: $75K vs $125K
  • Less flexibleMin credit score: 720 vs 640; Min DSCR: 1.15 vs 1.00; Max loan: $2.5M vs $3M; First-time investors: No vs Yes
  • DifferentStates served: lists 2 states (MA, NY) Newfi Wholesale doesn't, but not 11 states Newfi Wholesale lists
  • SameDSCR below 1.0, Max LTV (purchase), Max LTV (cash-out), STR income method
  • Not comparable (not published)No-ratio option

Values: Defy Mortgage first, then Newfi Wholesale. Sources and check dates are on each lender page.

Defy Mortgage lender pageCompare Newfi Wholesale and Defy Mortgage

Lima One Capital 10 terms compared

  • More flexibleMin loan: $75K vs $125K
  • Less flexibleMin credit score: 660 vs 640; Min DSCR: 1.30 vs 1.00; Max LTV (cash-out): 70% vs 75%; Max loan: $2.5M vs $3M
  • DifferentStates served: lists 2 states (MA, NY) Newfi Wholesale doesn't, but not 4 states (AK, ND, SD, VT) Newfi Wholesale lists
  • SameDSCR below 1.0, No-ratio option, Max LTV (purchase), STR income method
  • Not comparable (not published)First-time investors

Values: Lima One Capital first, then Newfi Wholesale. Sources and check dates are on each lender page.

Lima One Capital lender pageCompare Newfi Wholesale and Lima One Capital

New Silver 10 terms compared

  • More flexibleMax LTV (purchase): 80% vs 75%
  • Less flexibleMin credit score: 660 vs 640; Min DSCR: 1.15 vs 1.00; Min loan: $150K vs $125K
  • DifferentStates served: lists 2 states (MA, NY) Newfi Wholesale doesn't, but not 9 states Newfi Wholesale lists
  • SameDSCR below 1.0, No-ratio option, Max loan, STR income method, First-time investors
  • Not comparable (not published)Max LTV (cash-out)

Values: New Silver first, then Newfi Wholesale. Sources and check dates are on each lender page.

New Silver lender pageCompare Newfi Wholesale and New Silver

LendSure Mortgage 9 terms compared

  • More flexibleMin DSCR: 0.75 vs 1.00; DSCR below 1.0: Yes vs No; No-ratio option: Yes vs No; Max LTV (purchase): 85% vs 75%; States served: Licensed in 50 states/DC vs Licensed in 49 states/DC
  • Less flexibleMin credit score: 660 vs 640
  • SameMax LTV (cash-out), Max loan, STR income method
  • Not comparable (not published)Min loan, First-time investors

Values: LendSure Mortgage first, then Newfi Wholesale. Sources and check dates are on each lender page.

LendSure Mortgage lender pageCompare Newfi Wholesale and LendSure Mortgage

Easy Street Capital 9 terms compared

  • More flexibleDSCR below 1.0: Yes vs No; Max LTV (purchase): 80% vs 75%; Min loan: $100K vs $125K; Max loan: $3.5M vs $3M
  • DifferentStates served: lists 2 states (MA, NY) Newfi Wholesale doesn't, but not 2 states (ND, SD) Newfi Wholesale lists
  • SameMin credit score, Max LTV (cash-out), STR income method, First-time investors
  • Not comparable (not published)Min DSCR, No-ratio option

Values: Easy Street Capital first, then Newfi Wholesale. Sources and check dates are on each lender page.

Easy Street Capital lender pageCompare Newfi Wholesale and Easy Street Capital

1st Nationwide Mortgage 9 terms compared

  • More flexibleDSCR below 1.0: Yes vs No; Max LTV (purchase): 80% vs 75%; Min loan: $100K vs $125K
  • Less flexibleMax loan: $1.5M vs $3M
  • DifferentStates served: lists 1 state (MA) Newfi Wholesale doesn't, but not 8 states Newfi Wholesale lists
  • SameMin credit score, Min DSCR, Max LTV (cash-out), STR income method
  • Not comparable (not published)No-ratio option, First-time investors

Values: 1st Nationwide Mortgage first, then Newfi Wholesale. Sources and check dates are on each lender page.

1st Nationwide Mortgage lender pageCompare Newfi Wholesale and 1st Nationwide Mortgage

How this page is built

Lower minimum credit score, minimum DSCR and minimum loan count as more flexible; so do higher max LTVs and max loan, a published “Yes” on DSCR below 1.0, no-ratio and first-time investors, an STR income method that accepts projections where Newfi Wholesale counts booking history only, and a state list that includes all of Newfi Wholesale's states plus more. Projection and Either both accept projections, so they count as the same. Referral sources are left out.

Newfi Wholesale

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Not a lender or broker. No referral fees. For education only. Figures come from each lender's public pages on the date shown and can change without notice, so verify them with the lender. Rates are estimates, not quotes. How we source data.